Is Starling a good bank for a joint account?

dllive

It would be nice to have the flexibility whereby either of us could spend from the account. (otherwise the onus would always be on me to book holidays, hotels, or use the card for spending on holidays clothes, meals etc).

Perhaps it is the convenience factor weighed against the 'financially connected' risk factor.

dllive

My partner has just said that shes got a credit score of 567 (mine is 643). Shes hasnt got a 'great' score becuase she hasnt been in the country for very long (less than 5 years) and hasnt needed a credit card or taken on any debt becuase she hasnt needed to. Shes going to get a credit card and start using it (and paying it off monthly, obviously) to increase her score. Im not planning on taking on any debt (mortgage etc) soon so not too bothered about a temporary hit on my score (or perhaps Im being too blasé about it! I dont know).

eskbanker

https://forums.moneysavingexpert.com/discussion/comment/82043532#Comment_82043532

As pointed out whenever credit scores are mentioned on this forum, these are just fictitious numbers invented by the credit agencies, and they aren't visible to actual lenders, so are essentially meaningless. The important thing is to ensure that the underlying data in the credit files is healthy, rather than relying on an arbitrary number aiming to summarise that…

penners324

Starling are very good for joint accounts. Easier to use and better than Lloyds

penners324

https://forums.moneysavingexpert.com/discussion/comment/82041358#Comment_82041358

Sounds like he didn't set up his own account, so a him problem. That's a reminder to separate monies during the initial split.

Cryptix

My wife and I use a joint Starling account as a spending account. The budgeting and spend tracking works well for us, but we don’t use it for savings as their interest rates are quite poor. It’s the same for all modern digital banks though.